It is not easy to cancel out all of your karma.... Naam jap will cancel out a number. Some are more difficult to get rid of.
There are sakhis about human beings having turned to stones- to be liberated by Raam after a certain period of time. So time governs everything.
There is a sakhi about a bhagat being entwined in life death cycle with a goat. So this janam he was a goat and the next janam the goat was a man. It had been happening for many times. When he was a man he slaughtered the goat and when the goat was a man, he got slaughtered because he was a goat. This cycle was broken when he got gyan from bhagti and decided to just cut the leg for a divinity who came to rescue him out of his cycle of birth and death.
There is a sakhi of a sevadhaar who was not giving some parshaad to a sikh who had come from afar and who was in a hurry because he had been riding on his gadda as they did in the olden days. He was all dusty and dirty and the sevadhaar told him not to keep coming in front of him like a bear. The Sikh left without any parshaad, and said some bitter words in his heart. The sevadhaar in the next janam was born as a bear. When he was brought to perform in front of Guru Gobind Singh Ji and the sevadhaar's son was there as well watching his performance. His laughter turned into tears when he was told this is your father and this is what he did in his last janam.
These are only a few examples. Janam maran is very complex. Only the Guru Jis can see into the past janams. Our thinking would truly be changed just like the son in the above sakhi whose laughter turned into tears when he heard his father was the bear. So much is hidden from our eyes. We can only understand it and get liberated from the cycle of life and death if we perform simran and seva with inward dedication. It is not easy.
Purab like ka likheya paiye.... our future has already been written down .... we may change it with path and bhagti. The sakhi of the two sikhs, one of whom was going to the Guradwara and one to a prostitute shows us how it takes time to change our future. The Guradwara sikh got hurt by a thorn and the other one found a coin. Guru JI then explained that the thorn was actually supposed to be a nest of snakes and the coin was meant to be a barrel of gold coins. Because of their actions, each reaped only reduced amounts of what the results were actually meant to be.
Har bisrat tere gun galeya........... when you forget God even your virtues are going to decay.
A video and sakhi which explains all this in detail is
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